Instant PAN Card (e-PAN) vs Physical PAN Card: Which One Should You Choose?
If you are applying for a new PAN card in 2026, you might be confused between the Instant e-PAN and the traditional Physical PAN Card. While both serve the same purpose of identification for the Income Tax Department, they differ significantly in terms of cost, delivery time, and application process.
Both options generate the same PAN number; the difference is only in the format (digital vs physical) and how quickly you receive it.
What is an Instant e-PAN?
The Instant e-PAN is a digitally signed PAN card issued in PDF format. It is generated using your Aadhaar details and issued almost instantly (often within 10 minutes) for free via the Income Tax e-Filing portal.
It does not carry a physical signature or card, but it is officially valid.
What is a Physical PAN Card?
A Physical PAN Card is the traditional PVC card delivered to your registered address by post. It includes your photograph and printed signature, which you upload during the application process.
This format is commonly preferred for offline KYC and physical documentation.
Direct Comparison: e-PAN vs Physical PAN
| Feature | Instant e-PAN | Physical PAN Card |
|---|---|---|
| Cost | Free of cost | ₹107 (approx. for Indian address) |
| Processing Time | Under 10 minutes | 15–20 days |
| Signature | Digital only (not printed) | Printed signature |
| Format | PDF (Digital) | PVC Card (Physical) |
| Best For | Urgent PAN requirement | Long-term offline use |
Is e-PAN Valid for Bank Accounts and Loans?
Yes. A digitally signed e-PAN is legally valid for all purposes as per the Income Tax Department and RBI guidelines.
However, some banks, employers, or government offices may still insist on a physical PAN card for offline verification or paperwork.
If you are facing KYC-related issues, you may find this guide helpful: How to fix bank KYC problems .
How to Apply
- For Instant e-PAN: Visit the Income Tax e-Filing portal and use the “Instant e-PAN” facility under Quick Links (Aadhaar-linked mobile number required).
- For Physical PAN: Apply via NSDL (Protean) or UTIITSL. You can also convert an e-PAN into a physical card later by paying a ₹50 reprint fee.
Final Verdict: Which One Should You Choose?
If you need a PAN number urgently for tax filing or basic verification, go for the Instant e-PAN. It is fast, free, and legally valid.
For long-term convenience, offline paperwork, and universal acceptance, ordering a Physical PAN Card is recommended.
Many users start with an Instant e-PAN and later order a Physical PAN Card once their address and documents are finalized.
Q: Can I convert my Instant e-PAN into a Physical PAN later?
Yes. You can request a physical PAN reprint anytime by paying ₹50
through NSDL or UTIITSL portals.
Note: Having an e-PAN is better than having no PAN, but having a Physical PAN makes offline documentation and verification easier.
Disclaimer
This article is for informational purposes only. We are not affiliated with the Income Tax Department. For official rules and services, always refer to the official e-Filing portal.
